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...but don't ask the rest of us to help fund what is in reality the dwelling places of the privileged few who just happen to want to live by the water. If a boat owner has a boat destroyed, the boat is restored by the insurer. It ought to be the same with dwellings built in flood zones. It is luxury living for the privileged few and I resent having to pay for their losses with increased premiums for insurance or having tax money collected from the general public used to rebuild dwellings in these places. It is socially wrong.